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Can employers buy riders or plans that offer 100% buyback of the 25% co-payment component by employers?

Yes. They can purchase riders or additional plans to reduce the 25% co-payment component for employers for claims above $15,000. This includes riders or plans that cover the entire co-payment component by employers, such that employers do not need to co-pay anything above the first dollar coverage of $15,000, up to the annual claim limit of $60,000.